Medical bill


  1. Research your insurance coverage before you arrive.

Contact your insurance company to find out what tests and services are covered. Preauthorization can be obtained from your insurance company to confirm coverage.

  1. Compare prices for medical tests and procedures to find the best deal.

Check out the prices that Medicare and commercial insurance companies charge for the services you need. Clear Health Costs and Healthcare Bluebook offer price comparison platforms that help patients to find the best deal.

If you are looking for surgical procedures, there are many transparent options such as Texas Free Market Surgery or The Surgery Center of Oklahoma. Those prices can then be used to negotiate.

  1. Ask for the cash rate:

Cash is preferred over cheques. Many times they will offer you significant discounts on upfront cash payments.

  1. Refuse any paperwork to be signed:

The Emergency Medical Treatment and Active Labor Acts (EMTALAs) require hospitals’ emergency rooms to treat any patient who requires urgent care. They also guarantee public access to emergency services, regardless of financial ability. If a hospital asks you to sign financial paperwork forms, either refuse or sign the EMTALA statute.

  1. Ask the hospital or physician to use only providers and labs that are within their network.

Your doctor should be made aware that you wish to remain in-network. This will help avoid any out-of-network charges. To find out if there are any nearby facilities or labs within your network, you can call your insurance company.


  1. For details and to dispute inaccurate information, request an itemized bill

Ask the hospital or provider for an itemized invoice. Due to the fact that 80% of the medical bill includes errors, it is possible for you to find duplicates or incorrect charges.

To understand each charge, use this medical coding tool. Any discrepancies should be immediately disputed.

  1. Ask for a copy of your contract

Forbid debt collectors from calling you to demand payment for an unfair bill. Instead, ask them to provide the contractual agreement that you are required to pay. Without a written agreement, there is no legal obligation to pay.

  1. You can refuse to pay for unsuitable care if you are in a network that does not cover your needs.

A lot of patients don’t know that they can get an out-of-network charge at an In-Network hospital for non-urgent treatment. 57% of Americans receive the unexpected medical bill. Call the provider or hospital if you were not required or if you have experienced an unavoidable problem.

  1. Find the fair market price to use when you are ready to negotiate.

To determine if the service/procedure is covered by your insurance, make sure you check your explanations of benefits. If you aren’t sure if your insurance plan covers the service or procedure, contact your customer service number. The National Association of Insurance Commissioners can help you if your EOB states that the bill should be covered. You may also contact your state to file an appeal.

  1. Contact your employer’s Human Resource department head:

You can ask your Human Resources Department to represent you if your employer offers health insurance.

  1. Contact the leadership of your hospital:

If none of these steps have resulted in you being unfairly charged or overcharged, contact the CEO and CFO of the hospital. You can also write to the hospital board members via the offsite office, and inform them about their predatory billing practices.


Photo by CDC on Unsplash


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